Select Park Home Insurance Policy · 2020-01-30 · • If Your Park Home is not going to be lived in for more than 60 days. • If the ownership of Your Park Home changes. • If

Select Park Home InsurancePolicy

2 | Paul Baker Insurance Services Select Park Home Insurance Policy

Page

How to Use this Policy 4

Important Telephone Numbers 5

Important Advice 6

Definitions 9

General Conditions 13

Claims Conditions 18

How We Settle Claims 20

General Exclusions 21

Details of cover within this Policy:

Structures Cover 23

Contents Cover 31

Personal Possessions Cover 45

Personal Accident Cover 49

Home Emergency Assistance 50

Park Home and Family Legal

Advice and Protection 61

Making a Complaint 77

Customer Service Information 79

Contents

Contents

3Paul Baker Insurance Services Select Park Home Insurance Policy |

Select Park Home Insurance

Your Policy Wording

Welcome to Your Paul Baker Insurance Services Select Park Home Insurance Policy and thank you for choosing Us. The Policy is underwritten by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk/register. The information You have supplied forms part of the contract of insurance with Us. Your Policy is evidence of that contract. You should read it carefully and keep it in a safe place.

In return for having accepted Your premium We will, in the event of injury loss or damage happening within the Period of Insurance, provide insurance as described in the following pages and referred to in Your Schedule.

For the contract to be valid, all the information You have given Us as part of Your application must be true and complete to the best of Your knowledge and belief. Otherwise Your Policy may not protect You in the event of a claim.

ImportantWe recommend that You read this Policy in conjunction with Your Schedule to ensure that it meets with Your requirements. If after reading these documents You have any questions please contact Us or Paul Baker Insurance Services.

Your attention is drawn to the Complaints Procedure on page 77.

The law applicable to this policyYou and We can choose the law which applies to this Policy. We propose that the laws of England and Wales apply. Unless We and You agree otherwise the laws of England and Wales will apply to this Policy.

Your Policy Wording


How to Use this Policy

Please read this Policy booklet with Your Policy Schedule in order to make sure that You are satisfied with Your insurance. If You have any questions please contact Paul Baker Insurance Services.

Why some words are shown in bold type

Certain words and phrases printed in bold type have defined meanings throughout this Policy. You can find the meanings of these defined terms in the Definitions section on page 9.

Cover details

You will find the following headings on many pages:

To help you further . . . We have included some explanatory notes in Your Policy. These are printed in green.

What is covered What is not covered

These sections give detailed information on the insurance provided and must be read with ‘What is not covered’ at all times.

These sections draw Your attention to what is not included in Your Policy.

How to Use this Policy


Claim Notification Line

01242 508960

In the event of a claim, telephone Paul Baker Insurance Services on this number.

If You need to make a claim, You will be informed of the process to follow. You should also read the Claims Conditions. Please read the conditions and process before ringing the Claim Notification Line.

Home Emergency Assistance and Domestic Helpline

01737 334092

This cover is administered by AXA Assistance UK Ltd.Please refer to Your Schedule which includes details of cover and read the Home Emergency Assistance section of Your Policy before You telephone. This starts on page 50.

Home Emergency Assistance includes a Domestic Helpline which is provided by AXA Assistance UK Ltd.

In the event of a burst pipe, blocked drain, electrical fault, even a wasps’ nest, AXA Assistance UK Ltd will be able to offer practical advice. If You wish, AXA Assistance UK Ltd will locate the nearest suitable tradesman, confirm the call out time and price.

You will remain responsible for any tradesman’s charges for doing the work, including any call out fee, that are not covered by, or exceed, the Home Emergency Assistance cover We provide and so it will be Your decision whether to accept the quotation or not. If You do accept, AXA Assistance UK Ltd will arrange for the tradesman to call at the agreed time.

Park Home and Family Legal Advice and Protection

0344 770 1056

Please refer to Your Schedule which will include details of cover and read the Park Home and Family Legal Advice and Protection section of Your Policy before You telephone. This starts on page 61.

Your Legal Helpline is Administered by Arc Legal Assistance Limited and serviced on their behalf by their specialist panel solicitors. The Legal Helpline will be able to help You on any private legal problem that happened in the United Kingdom the Isle of Man or the Channel Islands. This service is limited to legal advice given on the telephone.

Quote “Paul Baker Insurance Services – Park Home and Family Legal Advice and Protection” when contacting the Helpline for the first time on any matter.

Important Telephone Numbers

Important Telephone Numbers

In order to maintain a quality service, telephone calls may be monitored or recorded.


Important Advice

Important Advice

Collision

If someone crashes into Your fence or Your Park Home, make sure You record their name, address, vehicle registration and contact details. We will need this information to help Us try to recover any payments made under Your Policy from the person responsible.

Escape of water

Your cover for escape of water is designed to cover damage to Your property caused by water leaks. One of the biggest risks of water damage occurs when You are away during the winter when pipes can freeze and burst, causing large amounts of damage.

It is important that You take steps to avoid this by keeping Your central heating on low so that Your pipes do not freeze over. If You want to turn Your heating off, then You should drain Your central heating system and switch off the water at the mains.

In addition, many claims occur due to water leaks caused when the seals around Your bath or shower have worn away.

Pipes often burst because they have worn out. If this happens, We will be able to pay for the damage the water causes but not to repair the pipe itself.

Our Paul Baker Insurance Services Select Park Home Insurance Policy is designed to protect You against the risk of things happening suddenly which You could not have expected such as fire, theft, accidental damage Flood and Storm. It is not designed to protect You against losses that arise due to the gradual deterioration or poor maintenance of Your Park Home.

We want to ensure that You are fully aware of the extent of Your cover and would therefore urge You to read this Policy in full, along with the Policy Schedule. We have also taken this opportunity to bring some helpful information to Your attention.

This section does not form part of Your Policy and contains only examples of what is contained in Your wording.


Fires

A large percentage of fires start in the kitchen and are caused by faulty electrical appliances or unattended cooking pans and equipment – particularly chip pans. In addition candles, cigarettes, electric blankets and overloaded plug sockets cause a significant fire risk.

Please ensure You bear these risks in mind and take adequate precautions to protect everyone in Your Park Home.

Smoke alarms save many lives and significant damage every year. Please ensure that You have them fitted and check them regularly.

Flood

If water has or is expected to enter(ed) Your property, You should secure Your Park Home and move Your Valuables and essentials to an elevated place. You should also turn off all the utilities like power, water and gas supplies at their main source and disconnect all electrical appliances if possible.

Storms

Properties are designed to withstand damage by all but the most extreme weather conditions. Normal weather conditions should not cause damage to a well maintained property and damage to a poorly maintained Park Home is not covered by this Policy. It is therefore important that You keep Your property in a good state of repair. Areas that You should focus on include blocked or broken gutters or down-pipes and loose or damaged roof tiles.

Some areas like flat roofs are difficult to inspect. So if You cannot check them Yourself, You should employ a relevant expert to do this for You.

Subsidence

Damage caused by Subsidence is the result of ground movement affecting Your property.

The most common signs of this are visible cracks to the base or within any brick skirting. New properties and/or newly made-up ground will often move for reasons other than Subsidence and this natural Settlement is not covered.

Subsidence and other types of ground movement can be difficult and complex to repair. It is important that You tell Us as soon as possible if You think Your Park Home may be affected.

Please remember the base is owned by and is the responsibility of the site owner who You should contact in the first instance if You have concerns about it.

On occasions movement to Your Park Home may be caused by inadequate or deteriorated jacking so it is important to check Your Park Home chassis and jacks periodically.

Important Advice continued


Important Advice continued

Thefts

Fortunately incidents of thefts on residential parks are not common. Thefts that do occur are often committed by so called ‘opportunist’ criminals. Your property is significantly more likely to be burgled if accessible entrances are not locked and secured.

Outbuildings and garages are attractive to criminals as they are easier to break into and often contain valuable items such as tools. Locking these is another important step to minimising the risk of a theft.

If You are leaving the Park Home vacant, do what You can to make it appear occupied. Ask a neighbour to pick up the mail, cancel milk and any other regular deliveries, and use timers on lights if You have them.

You should also take particular care of high value items such as laptops, cameras, mobile phones and iPods if You have Personal Possessions cover. We will not cover the theft of such items if they have been left unattended outside of Your Park Home.

Making sure your cover stays in place

We asked You a number of questions when You purchased Your Policy and it is important You tell Us if any of these things change.

These parts of Your Policy are called conditions. In other words, Your cover remaining intact may be conditional on You giving Us the right information at the start of Your Policy and then letting Us know if Your circumstances change.

Examples of changes We need to know about are:• If Your Park Home is not going to be lived in for more than 60 days.• If the ownership of Your Park Home changes.• If Your Park Home is no longer occupied solely by You or Your Family and Friends.• If You or Your Family have been declared bankrupt or been subject to bankruptcy

proceedings.• If You or Your Family have received a police caution for or been convicted of or

charged with any offence other than driving offences.

Checking for changes to your cover

If You have varied the basic terms of Your Policy with Us, this will be stated on Your Schedule.

In addition, We may apply Endorsements that can include things like a requirement to have a burglar alarm fitted, a certain type of lock on Your doors, a larger Policy Excess on a specific section, or an increased limit for one of Your valuable items.


Definitions

Definitions continued on next page

Definitions

Contents The definition of contents can be found within the section called Contents Cover within this Policy. This starts on page 31.

Domestic Staff A person employed to carry out domestic duties associated with the Park Home and not employed by You in any capacity in connection with any business, trade, profession or employment.

Endorsement(s) A change to the terms of the Policy as shown under Endorsements in the Schedule.

Excess The amount You are required to pay as the first part of each and every claim made.

Family / They Your spouse, partner, domestic partner or civil partner, children (including adopted and foster children), parents, Domestic Staff and other persons all permanently living with You and not paying for their accommodation.

Flood An invasion of the property by a large volume of water caused by a rapid build-up of or sudden release of water from outside the Structures.

Heave The upward or sideways movement of the site on which Your Structures are situated, other than Settlement, caused by swelling of the ground.

Landslip Sudden movement of soil on a slope, or gradual creep of a slope over a period of time, other than Settlement.

These definitions do not apply to Home Emergency Assistance or Park Home and Family Legal Advice and Protection where separate definitions apply.

Where We explain what a word means, that word will have the same meaning wherever it is used in the Policy or Schedule.

These words are highlighted by the use of bold print and start with a capital letter.

Definitions are listed alphabetically.


Definitions continued

Money The definition of money can be found within the section called Contents Cover within this Policy. This starts on page 31.

Outbuildings • Sheds.

• Greenhouses.

• Summer houses.

• Storage lockers.

• Other Structures but not including motor homes or

structures made of canvas, PVC or any other non rigid

material, which do not form part of the structure of the

main part of the Park Home and are used or occupied for

domestic purposes.

Park Home The residential home shown in the Schedule including its garages and Outbuildings if they form part of the property.

Period of Insurance The dates shown on the Schedule.

Personal Possessions The definition of Personal Possessions can be found within the section called Personal Possessions in this Policy. This starts on page 45.

Policy Your policy booklet and most recent Schedule which include any Endorsement(s).

Settlement The natural movement of new properties in the months and years after they are built.

Storm A period of violent weather defined as:

• Wind speeds with gusts of at least 48 knots (55mph)* or

• Torrential rainfall at a rate of at least 25mm per hour or

• Snow to a depth of at least one foot (30cm) in 24 hours or

• Hail of such intensity that it causes damage to hard surfaces

or breaks glass.

*Equivalent to Storm Force 10 on the Beaufort Scale.



Structures The main part of the Park Home including fixtures and fittings

and the following if they form part of the property:

• Steps and ramps.

• Oil and gas tanks, cesspits, septic tanks.

• Fixed hot tubs or jacuzzis, ornamental ponds, fountains.

• Walls, gates, fences, hedges, skirting, patios, decking,

railings, gazebos, pergolas.

• Porches, car ports, garages including garages on nearby

sites.

• External lighting, alarm systems and surveillance equipment,

solar heating systems, wind turbines.

• Fixed recreational toys and brick built barbecues that You

have installed or commissioned and which are situated

directly adjacent to Your Park Home.

• Laminated, wooden effect or vinyl floor covering that could

not reasonably be removed and re-used.

• Inspection hatches and covers all supplying Your Park

Home.

• Outbuildings..

Subsidence Downward movement of the site on which the Structures are situated by a cause other than Settlement or the weight of the Structures themselves.

Unfurnished Does not contain enough furniture and furnishings for normal living purposes.

Unoccupied Not lived in by You or Your Family for more than 60 consecutive days or occupied by squatters.

Valuables The definition of valuables can be found within the section called Contents Cover within this Policy. This starts on page 31.




Vehicles a. Electronically or mechanically propelled or assisted vehicles

including motor cycles, quad bikes and children’s quad

bikes.

b. Aircraft (including gliders and hang gliders), drones, boats,

hovercraft and any type of craft designed to be used in or on

the water including hand or foot propelled craft, sailboards

and windsurfers.

c. Trailers, carts, wagons, caravans and horse boxes.

d. Parts, accessories, tools, fitted radios, cassette players and

compact disc players and satellite navigation systems for

any of the items in a – c above.

The following items are not included in this definition:

• Ride on lawn mowers only used for domestic purposes

within the boundaries of the land belonging to Your Park

Home.

• Wheelchairs, mobility scooters and invalid carriages,

provided they are only being used for their intended

purpose and by the intended user, and they are not

registered for road use.

• Surfboards, water-skis, snowboards and skis.

• Toys and models.

• Pedal cycles and electrically powered pedal cycles.

• Golf trolleys which are controlled by someone on foot.

• Portable satellite navigation devices or global positioning

devices but not those fixed to a vehicle.

We/Us/Our AXA Insurance UK plc.

You/Your The person or persons named in the Schedule as the Policyholder and their domestic partner(s)..



General Conditions

General Conditions

Providing accurate and complete information

When taking out, renewing or making changes to this Policy, You must take reasonable care to provide accurate and complete answers to all questions.We may ask You to provide further information and/or documentation to ensure that the information You provided when taking out, making changes to or renewing Your Policy was accurate and complete.

Taking care of your property

You and Your Family must take all reasonable precautions to avoid injury, loss or damage and take all reasonable steps to safeguard all the property insured from loss or damage.

You must maintain the Structures and Contents in good repair.

Precious stones

The settings of the stones in any item of jewellery exceeding the value of £5000 must be examined by a jeweller once every three years and any defect should be taken care of as soon as possible.

Dual insurance

If any injury, loss, damage or liability is covered by any other insurance then We will not pay more than Our share.

These conditions do not apply to Home Emergency Assistance or Park Home and Family Legal Advice and Protection where separate conditions apply.

You and Your Family must comply with the following conditions to have the full protection of Your Policy.If You do not comply with them, We will take one or more of the following actions:• Cancel Your Policy.• Declare Your Policy void (treating Your Policy as if it never existed).• Change the terms of Your Policy.• Refuse to deal with all or part of any claim or reduce the amount of any claim payment.


General Conditions continued

The value of your structures

You must notify Us as soon as possible if the full value of Your Structures exceeds the amount shown in Your Policy Schedule. If the amount shown on Your Schedule represents less than 100% of the full value of Your Structures (the cost of replacement as new), We will only be able to settle claims at the percentage You are insured for. For example if the value of Your Structures shown on Your Schedule only represents 70% of the full value then We will not pay more than 70% of Your claims.

If the full value of Your Structures exceeds the amount shown in Your Schedule the cover under the Policy will no longer meet Your needs.

The value of your contents

You must notify Us as soon as possible when the full value of Your Contents exceeds the amount shown in Your Policy Schedule. If the amount shown on Your Schedule represents less than 100% of the full value of Your Contents (the cost of replacement as new), We will only be able to settle claims at the percentage You are insured for. For example if the value of Your Contents shown on Your Schedule only represents 70% of the full value then We will not pay more than 70% of Your claims.

If the full value of Your Contents exceeds the amount shown in Your Schedule the cover under the Policy will no longer meet Your needs.

Updating sums insured

This Policy provides fixed sums insured as shown on Your Schedule and does not provide for increases to take account of inflation. You must advise Us if the full value of Your Structures and/or Your Contents exceed the amount(s) shown on Your Schedule.

You should ensure that You have sufficient cover and if in doubt, You should contact Paul Baker Insurance Services for assistance.


Changes in your circumstances

You must tell Us as soon as possible if Your circumstances change or if any of the information shown in Your proposal form, statement of fact or Schedule changes during the Period of Insurance.

Examples of changes We must be made aware of are:

• Change of address.• Structural alteration to Your Park Home.• If You or Your Family intend to let or sub let Your Park Home.• If You or Your Family intend to use Your Park Home for any reason other than private

residential purposes.• If Your Park Home will be Unoccupied for more than 60 consecutive days.• If Your Park Home is no longer occupied solely by You or Your Family.• If You or Your Family have been declared bankrupt or been subject to bankruptcy

proceedings.• If You or Your Family have received a police caution for or been convicted of or

charged with any offence other than driving offences.

We will then tell You if there will be any change to Your insurance premium or any change in the terms of Your Policy.

You must ensure that You provide accurate and complete information when asked questions about the changes in Your circumstances.

If You are in any doubt please contact Paul Baker Insurance Services.

Fraud Throughout Your dealings with Us, We expect You and Your Family to act honestly.

If You or anyone acting for You:• Knowingly makes a fraudulent or exaggerated claim under Your Policy, or• Knowingly makes a false statement in support of a claim, or• Submits a knowingly false or forged document in support of a claim, or• Makes a claim for any loss or damage caused by Your wilful act or caused with Your• agreement knowledge or collusion;

Then:• We will cancel Your Policy.• We will not pay any fraudulent claims.• We will be entitled to recover from You the amount of any fraudulent claim already

paid under the Policy since the start date.• We will not return any premium paid by You for the Policy.• We will inform the police of the circumstances.




Cancelling your cover

Statutory cancellation rights

You may cancel this Policy within 14 days of receipt of the Policy documents (the cancellation period), whether for new business or at the renewal date, by giving notice to:

If cover has not started We will refund the full premium. If cover has started We will keep an amount of premium in proportion to the time You have been on cover and refund the rest to You provided no claims have occurred. If any claims have been made You will not receive a refund of premium.

Cancellation outside the statutory period

You may cancel this Policy at any time by giving Us prior written notice to the above address.

As long as You have not received payment, or are not in the process of making a claim, and have not suffered a loss for which You are intending to make a claim during the period You have been on cover, We will keep an amount of Premium in proportion to the time You have been on cover and refund the rest to You.

If You have received payment for, or are in the process of making a claim, there is no refund of Premium. If You are paying Your Premium by instalments You will either have to continue with the instalments until the Policy renewal date or We may, at Our discretion, take the outstanding instalments You still owe from any claim payment We make.

Mail Paul Baker Insurance Services 16 Hewlett Road, Cheltenham, Gloucestershire, GL52 6AA

Tel 01242 505840

Email [email protected] quoting Your Policy number.


Our right to cancel your cover

We reserve the right to cancel Your Policy when there is a valid reason to do so. Valid reasons include:

• You provide Us with inaccurate or incomplete information. Please see ‘Providing accurate and complete information’ on Page 13.

• You make a change to Your information which renders the risk no longer acceptable for Us to insure. Please see ‘Changes in your Circumstances’ on page 15.

• You act in a fraudulent manner. Please see ‘Fraud’ on page 15 for further information.

• You fail to supply requested validation documents. Please see the Claims Conditions section starting on page 18 for further information.

If We cancel Your Policy, We shall provide You with 14 days prior written notice by recorded delivery to Your last known address. Within this notice We will advise You of Our reasons for cancelling Your Policy and any premium refund will be calculated in accordance with the above.

Non payment of premiums

We reserve the right to cancel this Policy by providing 14 days prior written notice in the event of non payment of the premium or default if You are paying by instalments.

Sanctions

We will not provide cover, be liable to pay any claim or provide any benefit where doing so would expose Us to: • any sanctions, prohibitions or restrictions under United Nations resolutions; or • the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, or United States of America



Claims Conditions

The first thing you must do

If property is lost, or theft or malicious damage is suspected, You must inform the police as soon as possible and obtain a crime or lost property reference number.

We recommend that You check Your Policy cover. Check that the loss or damage is covered. This Policy contains details of what is covered and how claims are settled.

You should always

• Contact Paul Baker Insurance Services by telephone on 01242 508960.• Alternatively You can send an email to [email protected]. You should only

notify by email if You do not need urgent assistance.• Take all reasonable steps to recover missing property.• Take all reasonable steps to prevent further damage.

Claims process

When You telephone Paul Baker Insurance Services on 01242 508960 they will do the following:

a. Take details of the loss.b. Where appropriate, arrange for an approved tradesperson to provide Us with an

estimate or undertake emergency repairs immediately.c. Instruct an approved supplier to contact You if appropriate.d. Where necessary, arrange for someone to call or contact You by telephone as soon as

possible to discuss Your claim. This person may be one of Our own claims staff or an independent Chartered Loss Adjuster.

Claims Conditions

These conditions do not apply to Home Emergency Assistance or Park Home and Family Legal Advice and Protection both of which have separate conditions.

You and Your Family must comply with the following claims conditions to have the full protection of Your Policy.If You or Your Family do not comply with them, We may take one or more of the following actions:• Cancel Your Policy.• Change the terms of Your Policy.• Refuse to deal with all or part of any claim or reduce the amount of any claim payment.


Emergency process

We provide a 365 days a year, 24 hours a day Domestic Helpline. By telephoning the Helpline shown in Your Schedule and the Important Telephone Numbers on page 5 in Your Policy, a tradesperson will be appointed. Please refer to the Home Emergency Assistance section in Your Policy for the full terms and conditions.

We should however be given the opportunity to inspect the damage before permanent repairs are commenced or any item is disposed of.

What you must do after making your claim

• Tell Us and provide full details in writing as soon as possible if someone is holding You or Your Family responsible for damage to their property or bodily injury to them and send to Us any writ, summons, letter of claim or other document.

• If requested, send written details of Your claim to Us within 30 days.• To help prove Your claim We may require You to provide original purchase receipts,

invoices, bank or credit card statements, instruction booklets, photographs, utility bills, pre-purchase surveys or plans and deeds to Your property.

• To help assist with dealing with Your claim We may require You to obtain estimates for the replacement or repair of the damaged property.

• We will only ask for information relevant to Your claim and We will pay for any reasonable expenses You incur in providing the above information as part of Your claim.

What you must not do

• Admit or deny any claim made by someone else against You or Your Family or make any agreement with them.

• Abandon any property to Us.• Dispose of damaged items as We may need to see them.

What we are entitled to do

We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in Your name for Our benefit against any other party.We are entitled to take possession of the property insured and deal with any salvage. We may also pursue any claim to recover any amount due from a third party in Your name.

Claims Conditions continued


How We Settle Claims

How We Settle Claims

Structures, Contents and Personal Possessions sectionsWe may repair, reinstate or replace the damaged property. If We cannot replace, reinstate or repair the property We may pay for the loss or damage in cash or cash alternative (including vouchers and/or store cards).

Where We can offer repair, reinstatement or replacement through a preferred supplier, but We agree to pay a cash settlement, then the payment will not exceed the amount We would have paid the preferred supplier.

If no equivalent replacement is available then We will pay the full replacement cost of the item with no discount applied.

With Your agreement We may appoint an approved supplier to act on Our behalf to validate Your claim. They are authorised to arrange a quotation, a repair or a replacement.

Will a deduction be made for wear and tear?

Structures If repair or reinstatement is carried out there will be no deduction provided that they have been maintained in good repair.

Contents There will be no deduction for Contents provided they have been maintained in good repair.

Personal Possessions There will be no deduction for Personal Possessions provided they have been maintained in good repair.

Matching sets, suites and carpetsWhere items originally purchased as part of a set cannot be matched and an appropriate replacement cannot be sourced, We will pay for accompanying items from a bathroom suite, three piece suite, or kitchen unit (excluding kitchen appliances) if one individual item is damaged.

In all other circumstances an individual item from a matching set of articles is regarded as a single item. We will pay You for individual damaged items but not for undamaged companion pieces.

If a floor covering is damaged beyond repair We will only pay to have the damaged floor covering replaced. We will not pay for undamaged floor covering in adjoining rooms.


General Exclusions

These exclusions apply throughout Your Policy.

We will not pay for:

Riot /civil commotionAny loss, damage or liability occasioned by or happening through riot or civil commotion outside the United Kingdom, the Isle of Man or the Channel Islands.

Sonic bangsLoss or damage by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

Reduction in market valueAny reduction in market value of any property following its repair or reinstatement.

ConfiscationAny loss or damage or liability occasioned by or happening through confiscation or detention by customs or other officials or authorities.

The exclusions above do not apply to the following covers• Liability to Domestic Staff.• Tenant’s liability.• Liability to the public.• Property owner’s liability.

Radioactive contaminationLoss, damage or liability to any property or any other loss, damage or additional expense following on from the event for which You are claiming arising from:

• Ionising radiations or contamination by radioactivity from any irradiated nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel.

• The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or of its nuclear component.

War risksAny loss, damage or liability caused by or happening through war, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

General Exclusions


General Exclusions continued

TerrorismAny loss, damage, cost or expenses of whatsoever nature directly or indirectly caused, occasioned by, happening through or in consequence of, terrorism. Any action taken in controlling, preventing or suppressing any acts of terrorism or in any way relating hereto.

For the purpose of this exclusion, ‘terrorism’ means the use of biological chemical and/or nuclear chemical and/or nuclear force or contamination and/or threat thereof by any person or group of persons, whether acting alone or on behalf of or in connection with, any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public in fear. However, losses caused by or resulting from riot, attending a strike, civil commotion and malicious damage are not excluded hereunder.

Pollution /contaminationAny loss, damage, liability or bodily injury arising directly or indirectly from pollution or contamination unless caused by the following.

• A sudden and unforeseen and identifiable incident.• Leakage of oil from a domestic oil installation at Your Park Home.

Gradual deterioration /maintenanceAny loss or damage caused by wear and tear, depreciation, the effects of light or the atmosphere, mould, dry or wet rot or fungus, and costs that arise from the normal use, maintenance and upkeep of Your Structures and Contents.

Deliberate loss or damageAny loss or damage caused or allowed to be caused- deliberately, wilfully, maliciously, illegally or unlawfully by You or Your Family or anyone lawfully in the Park Home.

Wood Burning and Solid Fuel Heaters or StovesThis insurance does not provide any cover in respect of loss, damage, liability, death, bodily injury or illness caused by the use of any wood burning or solid fuel heater or stove within Your Park Home unless the wood burning or solid fuel heater or stove:

• is the manufacturer’s standard design, and• was installed by a qualified person accredited by HETAS or similar, and• is inspected at least once every 12 months by a qualified person accredited by HETAS

or similar and all defects identified by such inspection remedied within 30 days of the inspection.


Structures Cover

Your Schedule will show if this Section is in force.

What is the most we will pay?We will not pay in total more than the Maximum Limit shown for Structures in Your Policy Schedule for any one claim under causes 1–11, and for covers 13, 14, 17, 18 and 20. For cover 12 We will pay all reasonable and necessary cost and for covers 15, 16 and 19 We will pay up to the limits shown.


Loss or damage to the Structures by the following causes:

The amount of the Excess shown in theSchedule except for covers 15 and 19.

1. Storm or Flood. 1. Loss or damage:a. To gates, hedges and fences.b. To drives, patios and paths unless

Your Park Home has been damaged at the same time and by the same cause.

c. By Storm to radio or television aerials or satellite dishes.

d. By frost.e. Caused by rising ground water

levels.

2. Escape of water caused by water leaking from or freezing in:a. A fixed:i. Water installation.ii. Drainage installation.iii. Heating installation.b. A washing machine, dishwasher,

water bed, refrigerator or deep freeze cabinet.

We will also pay the necessary and reasonable costs that You incur in locating the source of the damage, including the reinstatement of any wall, floor or ceiling removed or damaged during the search.

2. Loss or damage while the Park Home is Unoccupied or Unfurnished

Continued on next page

Structures Cover


Continued from previous page


We will not pay more than £5,000 for locating the source of damage for any one claim.

Damage caused by the escape of water is covered but damage to the source of the leak is only covered if the insured cause or cover is operative.

.

3. Escape of oil from a fixed oil–fired heating installation including smoke and smudge damage by vaporisation due to a defective oil–fired heating installation.

We will also pay the necessary and reasonable costs that You incur in locating the source of the damage including the reinstatement of any wall, floor or ceiling if removed or damaged during the search.

We will not pay more than £5,000 for locating the source of damage for any one claim.

Damage caused by the escape of oil is covered, but damage to the source of the leak is only covered if an insured cause or cover is operative.

3. Loss or damage while the Park Home is Unoccupied or Unfurnished.

4. Subsidence or Heave of the site on which the Structures stand, or Landslip.

4. Loss or damage:a. Caused by normal Settlement,

shrinkage or expansion.b. Resulting from coastal or river bank

erosion.c. Arising from construction, structural

alteration, repair or demolition.d. Arising from the use of defective

materials, defective design, or faulty workmanship.


Structures Cover continued




e. To boundary and garden walls, terraces, gates, hedges and fences, paths and drives, patios, skirting, decking and railings unless the Park Home has been damaged at the same time by the same cause.

f. To, or resulting from movement of, solid floor slabs and non loadbearing walls unless the foundations beneath the loadbearing walls of the Park Home are damaged at the same time by the same cause.

5. Theft or attempted theft.. 5. Loss or damage while the Park Home is Unoccupied or Unfurnished unless there has been forcible and violent entry to, or exit from, the Park Home.

6. Loss or damage caused by collision by aircraft, aerial devices, road or rail Vehicles (or anything dropped from them), or animals.

6. Loss or damage caused by:a. Domestic pets.b. Insects..

7. Falling trees or branches. 7. a. The cost of removal if the fallen tree or branch has not caused damage

to the Structures or Contents or is not preventing access to the Park Home.

b. Loss or damage caused during tree felling, lopping or topping.

8. Breakage or collapse of:a. Satellite dishes.b. TV or radio aerials, aerial fittings or

masts.c. Lampposts.d. Solar panels.e. Telegraph poles.f. Electricity pylons, poles or overhead

cables.

8. Loss or damage to the items themselves.

Certain items may be covered under the Contents Cover section.




9. Fire, smoke, explosion, lightning, earthquake.

9. Smoke damage arising gradually or out of repeated exposure

10. Malicious persons or vandals. 10. a. Loss or damage while the Park Home is Unoccupied or Unfurnished b. Damage caused by You or Your

Family or any persons You or Your Family have allowed into Your Park Home.

.

11. Riot, civil commotion, strikes, labour and political disturbances.

The following covers are included in this section.

12. Site clearance resiting and delivery fees

Necessary expenses for resiting, rebuilding or repairing the Structures as a result of damage covered by Structures Cover for:a. Architects, surveyors, consulting

engineers and legal fees.b. The cost of site clearance or

demolishing or shoring up the Structures.

c. The cost of resiting and delivery of a replacement Park Home

d. The cost to comply with government or local authority requirements.

12. The cost to comply with government or local authority requirements where the order predates the loss or damage.




13. Service pipes and cablesAccidental damage to:a. Cables.b. Drain inspection covers.c. Underground drains, pipes or tanks

providing services to or from the Park Home and for which you are responsible.

We will also pay up to £5,000 for anyone claim for necessary and reasonable costs that You incur in locating the source of the damage including the reinstatement of any skirting, wall, drive, fence or path removed or damaged during the search.

If it is discovered that the cause is not accidental damage then unless one of the other causes is operative there will be no cover.

Cover for accidental loss of metered water may apply under contents cover cause 15.

14. Glass and sanitarywareAccidental breakage of:a. Fixed glass in:

i. Windows.ii. Doors.iii. Fanlights.iv. Skylights.v. Greenhouses.vi. Conservatories.vii. Verandahs.

b. Ceramic hobs and ceramic tops of cookers

c. Fixed sanitaryware and bathroom fittings

14. a. Loss or damage while the Park Home is Unoccupied or Unfurnished b. Damage to property that does not

form part of the Park Home




15. Replacement of locks We will pay for the cost of replacing keys and locks or lock mechanisms to:a. External doors and windows of the

Park Homeb. A safe within, or an alarm protecting,

the Park Home following the theft of their keys.

We will not pay more than £1000 for any one claim.

Assistance for Emergency Key Replacement for lost keys is provided under Home Emergency Assistance.

15. The cost of replacing keys and locks to a garage or Outbuilding.

If You have chosen both Structures and Contents insurance then We will only pay under one section for any one claim.

16. Alternative accommodation While Your Park Home cannot be lived in because of loss or damage covered under this section of the Policy, We will pay for the reasonable cost of alternative accommodation for You, Your Family and Your domestic pets.

We will not pay more than 20% of the Structures Sum Insured for any one claim.

17 Emergency entry Loss or damage to the Structures caused when the Fire, Police or Ambulance Service has to force an entry to the Structures because of an emergency involving You or Your Family




18. Contracting purchaser If You have contracted to sell Your Park Home, the purchaser shall have the full protection of Your Policy in respect of the Structures up to the date of completion of the purchase as long as the Park Home is not covered by any other insurance.

19. Property owner’s liability Any amount that You or Your Family become legally liable to pay as compensation (including claimant’s costs and expenses) arising from Your ownership (but not occupation) of the premises which causes accidental bodily injury including death, disease and injury to any person or damage to property.

Arising from:a. Your ownership of the Structures.b. Defective work carried out by You

or Your Family or on Your behalf to any private residence within the United Kingdom, the Isle of Man or the Channel Islands disposed of by You or Your Family before the occurrence of bodily injury or damage in connection with such private residence.

We will not pay more than £5,000,000 (including costs and expenses agreed by Us in writing) for any claim or series of claims arising from any one event or one source or original cause.

19. Your legal liability to pay compensation arising directly or indirectly from:a. An agreement which imposes a

liability on You which You would not be under in the absence of such agreement.

b. The use of the Park Home for any business, trade, profession or employment.

c. Death or bodily injury illness or disease to any person who is a member of Your Family residing with You or any person under a contract of service.

d. Damage to property belonging to or under the control of You or a member of Your Family permanently residing with You.

e. Death, bodily injury or damage caused by lifts, hoists or Vehicles.

f. Arising more than seven years after this Policy has expired or been cancelled.

g. Rectifying any fault or alleged fault.




20. Accidental damage to the Structures. 20. Accidental damage:a. Specifically excluded under

Structures Cover.b. By frost.c. By Settlement or shrinkage of the

Structures.d. By chewing, scratching, tearing or

fouling by Your domestic pets.e. By mechanical or electrical

breakdown or failure.f. Specifically covered elsewhere in

this Policy.g. Arising from the alteration or

extension of the Structures or the cost of maintenance or routine decoration.

h. Arising from faulty workmanship, defective design or use of defective materials.

i. Whilst the Park Home is Unoccupied or Unfurnished.



Contents Cover


What are contents? What contents are not covered?

All of the following things are included provided that they belong to You or Your Family, or You or They are legally responsible for them, and that they are mainly used for private purposes.

Household GoodsFurniture, electrical items, floor coverings, tools and other items used in Your Park Home. This includes tenants’ fixtures, fittings and interior decorations.

Personal EffectsClothes and items of a personal nature likely to be worn, used or carried. For example portable radios and TV’s, hand held computer consoles, MP3 players, mobile phones and sports equipment. It does not include Valuables or Money.

ValuablesJewellery (including costume jewellery)articles of/or containing gold, silver orother precious metals, cameras (whichincludes video cameras, camcorders anddigital cameras), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals.

MoneyCoins and bank notes in current use, cheques, postal orders, postage stampswhich are not part of a collection, tradingstamps, premium bonds, saving stampsor certificates, luncheon vouchers, recordbook or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards.

a. Vehicles and caravans.b. Parts, accessories, tools, fitted radios,

cassette players and compact disc players for the things in (a.) above.

c. Any living creature.d. Documents other than as shown in

cover 19.e. Lottery tickets and raffle tickets.f. Any part of the Structures other than

fixtures and fittings for which You are responsible as the occupier.


Contents Cover



What are contents? What contents are not covered?

This does not include credit card, cheque card or cash dispenser card liability.

Business EquipmentAll computers and equipment (excluding data) used mainly for business, trade, professional or employment purposes. This includes stock but excludes business Money and documents.

What is the most we will pay?

We will not pay in total more than the Maximum Limit shown for Contents in Your Policy Schedule for any one claim under causes 1–13, and for covers 23, 28 and 31-32. We will pay up to the limits shown for covers 14-22, 24-27, 29-30 and 33.

The following limits apply

Any one Valuable £5,000

Any total claim for Valuables £20,000

Money £500

Business Equipment £5,000 which can include an amount of up to £500 for business stock

These are the standard limits. If You have increased any of them, the revised limits which apply to Your Policy will be shown in Your Schedule.


Loss or damage to Your or Your Family’s Contents while they are in the Park Home by following causes:

The amount of the Excess shown in the Schedule except for covers 24, 25 and 27.

1. Fire, smoke, explosion, lightning, earthquake.

1. Smoke damage arising gradually or out of repeated exposure.

2. Storm or Flood. 2. Loss or damage by frost.

Contents Cover continued



3. Theft or attempted theft. 3. a. Loss or damage while the Park Home is Unoccupied or Unfurnished unless there has been forcible and violent entry to, or exit from, the Park Home.b. Loss where property is obtained

by any person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or irredeemable for any reason.

b. Loss or damage from the Park Home if any part of it is occupied by anyone other than You or Your Family unless there has been forcible and violent entry to, or exit from, the Park Home.

4. Escape of water from:a. A fixed: i. Water installation. ii. Drainage installation. iii. Heating installation.b. A washing machine, dishwasher,

water bed, refrigerator or deep freeze cabinet.

Damage caused by the escape of water is covered but damage to the source of the leak is only covered if an insured cause or cover is operative.


5. Escape of oil from a fixed oil–fired heating installation including smoke and smudge damage by vaporisation due to a defective oil–fired heating installation.

Damage caused by the escape of oil is covered, but damage to the source of the leak is only covered if an insured cause or cover is operative.






6. Malicious persons or vandals. 6. a. Loss or damage while the Park Home is Unoccupied or Unfurnished.b. Malicious damage caused by You or

Your Family or any persons You or Your Family have allowed into Your Park Home.

7. Riot, civil commotion, strikes, labour and political disturbances.

8. Subsidence or Heave of the site on which the Structures stand, or Landslip.

8. Loss or damage resulting from coastal or river bank erosion.

9. Loss or damage caused by collision by aircraft, aerial devices, road or rail Vehicles (or anything dropped from them), or animals.

9. Loss or damage caused by:a. Domestic pets.b. Insects.

10. Falling trees or branches. 10. a. The cost of removing fallen trees or branches unless the Structures or

Contents have also been damaged.b. Loss or damage caused during tree

felling, lopping or topping.

11. Breakage or collapse of:a. Satellite dishes.b. TV or radio aerials, aerial fittings or

masts.c. Lampposts.d. Solar panels.e. Telegraph poles.f. Electricity pylons, poles or overhead

cables.

11. a. Mechanical or electrical breakdown or failure.b. Damage caused by or in the process

of cleaning, maintenance, repair or dismantling.

c. Damage to equipment not in or attached to the Structures.

d. Loss or damage to the items themselves.

Cover for items in or on the Park Home may be covered – see cover 12.



The following covers are included in this section.12. Entertainment equipment

Accidental damage to:a. Television sets, stereos, home

cinema and home entertainment units and radios.

b. MP3 players, CD players, record players and tape recorders.

c. Blu-ray players, DVD players, video recorders and games consoles and players.

d. Computers (including portable computers).

e. Cable /satellite /digital television receivers.

f. Television aerials and satellite dishes.

12. a. Mechanical or electrical breakdown or failure.b. Damage to records, discs, cassettes

and tapes.c. Accidental damage or

contamination to computers or computer equipment by:i. Erasure or distortion of data.ii. Accidental erasure or mislaying or

misfiling of documents or records.iii. Viruses.

d. Damage caused by or in the process of cleaning, maintenance, repair, dismantling or altering.

e. Loss arising from the cost of remaking any film, disc or tape, or the value of any information contained on it.

f. Damage to equipment not in or on the Park Home.

g. Loss or damage by chewing, scratching, tearing or fouling by Your domestic pets.

h. Mobile phones.

13. Mirrors and glass Accidental breakage of:a. Mirrors.b. Fixed glass in and glass tops of

furniture.c. Ceramic hobs and ceramic tops of

cookers.d. Glass oven doors.

13. a. Loss or damage while the Park Home is Unoccupied or Unfurnished.b. Loss or damage to Your or Your

Family’s Contents while they are not in Your Park Home




14. Replacement of locksWe will pay for the cost of replacing keys and locks or lock mechanisms to:a. External doors and windows of the

Park Homeb. A safe within, or an alarm protecting,

the Park Home following the theft of their keys.


Assistance for Emergency Key Replacement for lost keys is provided under Home Emergency Assistance.

14. The cost of replacing keys and locks to a garage or Outbuilding.

If You have chosen both Structures and Contents insurance then We will only pay under one section for any one claim.

15. Payment card liability Your and Your Family’s liability under the terms of any credit card, debit card or cash dispenser card agreement as a direct result of its theft and following its unauthorised use by any person not related to or residing with You.

We will not pay any more than £1,000 for any one claim.

Do not forget to inform the Police and issuing authorities as soon as possible in the event of a loss.

15. a. Any loss unless You or Your Family have complied with the terms and conditions of the issuing authority. b. Any loss or claim due to accounting

errors or omissions.

16. Accidental loss of oil and metered waterWe will pay for accidental loss of domestic heating oil and metered water.

We will not pay more than £2,000 for any one claim.






17. Temporary removal Loss or damage by causes 1–11 to Contents temporarily removed from Your Park Home to:

a. Any bank or safe deposit.b. Any occupied private dwelling.c. Any building where You or Your

Family are working or temporarily residing while anywhere in the world.

Under (b.) and (c.) the maximum amount payable for theft or attempted theft from a room in a nursing home, care home, school, university or college hall of residence accommodation is £5,000 for any one claim.

We provide insurance protection forContents in the Park Home during normal periods of unoccupancy, for example when You are on holiday. However, if You are going away for 60 consecutive days or more or if the Park Home is to be vacated please tell Us as this will affect the terms of Your Policy.

Student belongingsThis cover automatically includesstudent’s possessions up to the totalMaximum Limit (limited to £2,500 for theft or attempted theft) providing the student still has their permanent address at Your Park Home.

17. Loss or damage:a. By theft unless it involves forcible

and violent entry to or exit from a building.

b. From a caravan, mobile home or motor home.

c. Outside the United Kingdom, the Isle of Man or the Channel Islands by riot, civil commotion, strikes, labour and political disturbances or malicious persons.

d. To Business Equipment.

18. Alternative accommodation While Your Park Home cannot be lived in because of loss or damage covered under this section of the Policy, We will pay for the reasonable cost of alternative accommodation for You, Your Family and Your domestic pets.






We will not pay more than 20% of the Contents Sum Insured for any one claim.

19. Documents Loss or damage by causes 1 – 11 to documents (other than Money) whilst:a. Within Your Park Home, orb. Deposited for safe custody in any

bank safe deposit or solicitor’s strongroom anywhere in the world.


19. Loss or damage to documents:a. Solely used for business, trade,

profession or employment purposes.

b. Which occurs within any garage or Outbuildings.

20. Religious festivals, weddings and civil partnerships Cover is automatically provided for gifts and provisions:a. During the period 30 days before

and 30 days after a recognised religious festival.

b. During the period 30 days before and 30 days after Your or Your Family’s wedding or Civil Partnership ceremony.

We will not pay more than 10% of the Contents Sum Insured for any one claim.

21. Visitors’ personal effects Loss or damage by causes 1–11 to visitors’ Personal Effects whilst contained within Your Park Home.

We will not pay more than £1,000 for each visitor for any one claim.

21. a. Loss or damage specifically excluded under Contents cover. b. Loss or damage to Valuables or Money.




22. Domestic staff’s personal effects Loss or damage by causes 1–11 to Domestic Staff’s Personal Effects contained within Your Park Home.

We will not pay more than £1,000 for each member of Domestic Staff for any one claim.

22. a. Loss or damage specifically excluded under Contents cover.b. Loss or damage to Valuables or Money.

23. Frozen food Loss or damage to food in the cold chamber of any refrigerator or deep freeze cabinet which is made unfit for eating by:a. A change in temperature.b. Contamination by refrigerant or

refrigerant fumes.The refrigerator or deep freeze cabinet must be:1. In Your Park Home.2. Owned by or be the responsibility of

You or Your Family.

23. Loss or damage resulting from:a. The deliberate act of You or Your

Family or any electricity supplier.b. Strike, lock–out or industrial dispute.c. Property mainly used for business,

trade, profession or employment purposes.

24. Liability to domestic staff Subject to the limit below, We will pay any amount that You or Your Family become legally liable to pay as compensation (including claimant’s costs and expenses) for death, bodily injury or illness of any Domestic Staff within the United Kingdom, the Channel Islands and the Isle of Man.

We will not pay more than £10,000,000 in respect of all compensation (which includes costs and expenses agreed by Us in writing) for any one claim or series of claims arising from any one event or one source or original cause.

24. Your or Your Family’s legal liability to pay compensation or costs for bodily injury (including death) sustained by any Domestic Staff when they are:a. Carried in or on a Vehicle, orb. Entering into or getting out of a

Vehicle where such bodily injury or illness (including death) is caused by or as a result of Your or Your Family’s use of a Vehicle.




25. Liability to the public We will pay up to £5,000,000 (including costs and expenses agreed by Us in writing) for any one claim, or series of claims, arising from any one event or one source or original cause that You become legally liable to pay as compensation (including claimant’s costs and expenses) occurring during the Period of Insurance for accidental:

a. Death, bodily injury or illness of any person.

b. Damage to material property not belonging to or in the custody or control of You, Your Family or Domestic Staff arising from: i. The occupation of the Park

Home (but not its ownership).ii. The private pursuits of You or

Your Family.iii. The employment by You or Your

Family of Domestic Staff.

25. Legal liability to pay compensation or costs arising from the following:a. Any business, trade, profession or

employment.b. The transmission of any contagious

disease or virus.c. Owning, possessing or using a

Vehicle.d. Owning, possessing or using a

dangerous dog of one of the following breeds: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro, and cross breeds of these with any other breed.

e. Owning any species of animal not domesticated in the UK.

f. Any action for damages brought in a court outside the United Kingdom, the Channel Islands or the Isle of Man.

g. Death or bodily injury or illness to You or Your Family.

26. Tenant’s liability (applicable if the Park Home is rented)Any amount that You or Your Family become legally liable to pay as tenant of the Park Home in respect of:a. Damage to the Structures by any

cause specified under Structures Cover of this Policy.

b. Accidental damage to cables drain inspection covers or underground drains pipes or tanks providing a service to or from the Park Home.

c. Accidental breakage of:i. Fixed glass in:

a. Windows.b. Doors.c. Fanlights.d. Skylights.e. Greenhouses.

26. Loss or damage to gates, hedges and fences.






f. Conservatories.g. Verandahs.

ii. Fixed ceramic hobs or hob covers.

iii. Fixed sanitaryware and bathroom fittings.

We will not pay more than 20% of the Contents sum insured for any claim or series of claims arising from any one event or one source or original cause.

27. Unrecovered damages We will pay the amount of any award of damages made in Your or Your Family’s favour which:

a. Is in respect of death, bodily injury or illness or damage to property of such nature that You or Your Family would have been entitled to a claims payment under Liability to the Public had You or Your Family been responsible for the injury or damage.

b. Is made by a court within the United Kingdom, Isle of Man or Channel Islands.

c. Is still outstanding six months after the date on which it is made.

d. Is not the subject of an appeal.

We will not pay more than £5,000,000 in respect of any one award.

28. Emergency entry Loss or damage to the Contents caused when the Fire, Police, or Ambulance Service has to force an entry to the Structures because of an emergency (or perceived emergency) involving You or Your Family.




29. Shopping in transit Loss or damage to food and domestic purchases whilst being transported from the shops to Your Park Home.


29. Theft from an unattended road vehicle unless this is from a locked luggage boot, concealed luggage compartment, or glove compartment, following forcible and violent entry to a securely locked vehicle.

30. Dependant relative The Contents of Your dependant relative which they have with them whilst living in a nursing home.


30. Loss or damage by theft unless it involves forcible and violent entry to or exit from a building

31. Accidental loss or damage to Contents whilst in the Park Home.

31. Any loss or damage specifically excluded under Contents causes 1-11 and covers 12- 30.

Accidental damage or loss:a. By mechanical or electrical

breakdown or failure.b. Arising from the cost of remaking

any film, disc, or tape or the value of any information contained on it.

c. Caused by or in the process of cleaning, maintenance, repair, dismantling, restoring, altering, dyeing or washing.

d. By chewing, scratching, tearing or fouling by Your domestic pets.

e. Caused by rot, fungus, or insects.f. To food, drink or plants.g. Specifically covered under Contents

causes 1-11 and Contents covers 12-30.

h. To computers or computer equipment by:i. Accidental loss, mislaying or

misfiling of documents or records.

ii. Viruses.iii. Contamination.






i. Arising from depreciation in value or other loss, damage or additional expense following on from the event for which You are claiming, e.g. costs incurred in preparing the claim or loss of earnings following Your bodily injury or illness.

j. While the Park Home is Unoccupied or Unfurnished.

32. House removal by professional removers Accidental damage or loss to Contents caused during a house move by professional removal contractors from Your Park Home to any new private residence within the United Kingdom, the Channel Islands or the Isle of Man.

32. Accidental loss or damage:a. To Money.b. To china, glass, porcelain or any

other item of earthenware unless packed by professional removal contractors.

c. To jewellery.d. During sea transit.e. Whilst the Contents are in storage. f. By mechanical or electrical

breakdown or failure.




33. Garden cover

A. Contents in the open Loss or damage by causes 1 and 3-11 to Contents while in the open within the boundaries of the land belonging to Your Park Home.


Items such as garden furniture, external statues and garden pots are included within this section.

B. Garden plants Loss or damage to plants and trees by causes 1, 3, 6 & 7 while in the open within the boundaries of the land belonging to Your Park Home.


This includes shrubs, trees, rockeries, bushes and vegetables.

33. Garden cover

A. Contents in the openLoss or damage:a. To Valuables or Money.b. To business equipment.c. Caused by Storm or Flood.

B. Garden plants Loss or damage while the Park Home is Unoccupied or Unfurnished.


Personal Possessions

Personal Possessions


What are Personal Possessions?All of the following things are included provided that they belong to You or Your Family or that You or Your Family are legally responsible for them and they are mainly used for private purposes.

Personal Effects Clothes and items of a personal nature likely to be worn, used or carried. For example portable radios and TV’s, handheld computer consoles, MP3 players, mobile telephones and sports equipment.

Valuables This means jewellery (including costume jewellery), articles of or containing gold, silver or other precious metals, cameras (which includes video cameras, camcorders and digital cameras), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals.

Money This means coins and bank notes in current use, cheques, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre–booked event and entertainment tickets and electronic money cards. This does not include credit card, cheque card or cash dispenser card liability.

What is the most we will pay?We will not pay more in total than the Maximum Limit for Personal Possessions shown in Your Policy Schedule for any one claim. The sum insured for Personal Possessions is included within the sum insured for Contents and is not in addition to it.

The following limits apply

Money £500

Credit Card £1,000

Any one unspecified article £1,000

Specified article The Personal Possessions sum insured as shown for the article in Your Policy Schedule.



1. Loss or damage to Personal Effects, Valuables and Money belonging to You or Your Family whilst anywhere in the world.

1. The amount of the Excess shown in the Schedule.

Loss or damage:a. Arising from the cost of remaking

any film, disc or tape or the value of any information held on it.

b. Caused by, or in the process of, cleaning, maintenance, repair, dismantling, restoring, altering, dyeing or washing.

c. Caused by chewing, scratching, tearing or fouling by Your domestic animals.

d. Caused by insects. e. Caused by theft or attempted

theft from an unattended motor vehicle unless the items are hidden from view in a boot or glove compartment, and all windows are closed and all doors, including the boot, are locked.

f. To items not in the care, custody or control of You or Your Family.

g. Caused by theft or attempted theft from an unlocked hotel room.

h. Arising from depreciation in value or other loss, damage or additional expense following on from the event for which You are claiming.

i. By mechanical or electrical breakdown or failure.

j. Caused to a Vehicle. k. To parts, accessories, tools and fitted

radios, cassette players and compact disc players, MP3 and DVD players and satellite navigation systems for any Vehicle.

l. To any property or Money mainly used or held for the purpose of business, trade, profession or employment.


Personal Possessions continued





. m. To plants or any living creature. n. To documents. o. Where property is obtained by any

person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or irredeemable.

p. Specifically covered elsewhere in this Policy.

q. To computers or computer equipment by: i. Accidental loss or mislaying

or misfiling of documents or records.

ii. Viruses. iii. Contamination.

r. To lottery tickets and raffle tickets. s. To sports equipment in the course

of play.t. To pedal cycles while racing.u. To pedal cycles by theft unless

securely locked to a fixed or permanent structure when unattended.

v. To pedal cycle tyres or accessories unless the pedal cycle is lost or damaged at the same time.

w. To Money by mistake in change, counting or overpayment.

x. To items more specifically and properly insured elsewhere.

y. While Your Park Home is left Unoccupied or Unfurnished.



2. Payment card liability

Your and Your Family’s liability under the terms of any credit card, debit card or cash dispenser card agreement as a direct result of its theft and following its unauthorised use by any person not related to or residing with You.

We will not pay any more than £1,000 for any one claim.

Do not forget to inform the Police and issuing authorities as soon as possible in the event of a loss.

2. a. Any loss unless You or Your Family have complied with the terms and

conditions of the issuing authority.b. Any loss or claim due to accounting

errors or omissions.



Personal Accident Cover

Personal Accident Cover


There is no cover for persons aged 70 years or over on the date of the accident that results in a claim under this Section.

What is the most we will pay?

We will not pay more in total than the Maximum Limit for Personal Accident shown in Your Policy Schedule.

For a person entitled to benefit under this Section who is aged 16 years or over but less than 70 years on the date of the accident We will pay £10,000.

For a person entitled to benefit under this Section who is aged under 16 years on the date of the accident We will pay £500.


Physical injury to You or Your Family which is the result of an accident which occurs whilst:

a. Occupying Your Park Home, orb. Working on Your Park Home

and which within 52 weeks of the date of the accident solely and independently of any other cause results in:i. Death, or ii. Total and permanent loss or total

and permanent use of one or more limbs, or

iii. Total and irrecoverable loss of sight in one or both eyes

Physical injury:a. To any person aged 70 years or over on

the date of the accident.b. Caused directly or indirectly by alcohol,

narcotics or drugs unless taken as prescribed by a registered medical practitioner.

c. Caused directly or indirectly by You or Your Family participating in driving or riding in any kind of race, rock climbing or mountaineering normally involving the use of ropes or guides, skiing, water skiing, tobogganing, potholing, skin-diving, scuba diving, snorkelling, hang gliding, parachuting, hunting on horse back, or any winter sports other than skating.

d. Which is self-inflicted

Death or loss occurring more than 12 months after date of the accident.


Home Emergency Assistance

Home Emergency Assistance


This Policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned byAXA Assistance group.

Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from Us on request. Inter Partner Assistance SA firm register number is 202664. You can check this on the Financial Services Register by visiting the website https://register.fca.org.uk/.

AXA Assistance (UK) Limited provides the services described in this certificate during thePeriod of Insurance for which You have paid the premium.

Definitions

Additional definitions for this section only.

Where We explain what a word means that word will appear highlighted in bold print and will have the same meaning wherever it is used in this section. We list the definitions alphabetically

Authorised Contractor A tradesperson authorised in advance to carry out repairs under this Policy.

Beyond Economical Repair The point at which We deem the cost to repair Your boiler exceeds it value.

Covered Events Emergency to essential services within the insured Park Home shown on the Schedule.

Emergency The result of a sudden and unforeseen incident at the Park Home which immediately:a. Exposes You or a third party to a risk to

Your or their health, orb. Creates a risk of or loss of or damage

to the Park Home and /or any of Your belongings, or

c. Renders the Park Home uninhabitable.

continued on next page



Emergency Repairs Work undertaken by an Authorised Contractor to resolve the Emergency by completing a Temporary Repair.

Local Territory United Kingdom (Great Britain, Northern Ireland, Isle of Man, and the Channel Islands).

Park Home The residential home shown in the Schedule including its garages and Outbuildings if they form part of the property.

Period of Insurance One year from the start or renewal date shown on Your Policy Schedule.

Permanent Repair Repairs and/or work required to put right the fault which caused the Emergency on a permanent basis.

Temporary Repair A repair undertaken by an Authorised Contractor which will resolve an Emergency but will need to be replaced by a Permanent Repair.

We/Us/Our AXA Assistance UK Ltd or Inter Partner Assistance SA, The Quadrangle, 106 -118 Station Road, Redhill, Surrey, RH1 1PR.

You/Your The policyholder and/or any member of the insured's immediate Family.

Home Emergency Assistance continued



There are conditions and exclusions which limit Your cover. Please read them carefully to ensure this cover meets Your needs. We do not wish You to discover after an incident has occurred that it is not insured.

The Home Emergency Assistance Policy is not a maintenance contract.

General conditionsa. We will only pay costs which are incurred as a direct consequence of the event which

led to the claim You are making under this Policy up to the Policy limit shown in the sections entitled “Home Emergency Assistance”.

b. No costs for repairs are payable under this insurance, unless We have been notified by You or a person calling on Your behalf through the 24 hour claims service telephone number provided and have an Authorised Contractor in advance to make a Temporary or Permanent Repair.

c. Claims may not be made under this Policy for the first 14 days unless You are renewing an existing Policy.

d. You must quote Your Policy number when calling for help. You must produce the relevant identification including boiler service receipts on the demand of the Contractor or Our other nominated agent.

e. If any loss, damage or expense covered under this insurance Policy is also covered by any other insurance or maintenance contract, We will not pay more than Our fair share of any claim.

f. This insurance does not cover normal day to day maintenance at Your Park Home that You should do. Nor does it pay for replacing items that wear out over a period of time or replacement parts on a like for like basis where the replacement is necessary to resolve the immediate Emergency.

g. You must co-operate with Us in obtaining reimbursement of any costs We incur under the terms of this cover, which may have been caused by the action of a third party against whom You have a legal right of action.

h. During any 12 month period We will not be responsible for more than three claims.

Parts availabilityAvailability of parts is an important part of the service. However, there may be times when replacement parts are delayed because of circumstances beyond Our control. In these cases We will not be able to avoid delays in repair. We will keep You informed throughout Your claim.

There also may be occasions where parts are no longer available. In these situations We will ensure Your Park Home is safe and if required, We will arrange for a manufacturer to provide You with a quotation for a suitable replacement item at Your cost.


Domestic emergency

If You suffer a covered event at Your Park Home, You should tell Us on the Emergency telephone number.

We will then do the following:

a. Advise You about how to protect yourself and the Park Home immediately.b. Organise and pay up to £1,000 including VAT, call out, labour, parts and materials to

carry out an Emergency Temporary Repair, or if at a similar expense an Emergency Permanent Repair.

If the Temporary Repair will cost more than £1,000 including VAT to complete We will advise You how much, in total, the repair will cost. We will proceed with the repair only if You agree to pay the amount over £1,000.

c. In the event of the Park Home becoming uninhabitable and remaining so overnight because of the covered event, We will, subject to prior agreement with ourselves, pay up to £250 including VAT in total for:

i. Your overnight accommodation and/orii. Transport to such accommodation.





The Covered Events are listed below:1. Plumbing problems related to leaking

pipes, blocked drains or leaking radiators.

2. Blockages in toilet waste pipes.3. Broken or damaged windows, doors

and locks presenting a security risk to the Park Home.

4. Complete electricity failure within the Park Home.

5. Central heating or boiler failure.6. Hot water failure.7. Animals or insects that are destructive

in their natural behaviour or considered as pests or nuisances: brown rats, black rats, house mice, field mice, squirrels, wasps’ nests and hornets’ nests only.

The following are excluded from theinsurance:1. Any leaking or dripping tap that

needs a new washer or replacing external overflows or replacing of boilers, cylinders, tanks, radiators and sanitaryware.

2. External overflows, external guttering.3. Burst or leaking flexible hoses which

can be isolated or leaking washing appliances.

4. External water supply pipes after the internal stop tap.

5. Septic tanks and swimming pool installations.

6. Failure of boilers or heating systems that have not been inspected or serviced by a qualified person within the 12 months prior to Your claim, You will be asked to produce the evidence at the time of the claim.

7. Boilers over 15 years old.8. Boilers that are beyond economical

repair.9. Shared water/drainage facilities.10. Material/labour charges covered by

manufacturers/suppliers/installers.11. Replacement of light bulbs and fuses in

plugs.12. Any failure of electricity that affects

only part of the Park Home.13. Descaling and any work arising from

hard water scale deposits (including power flushing) or from damage caused by aggressive water or sludge resulting from corrosion. Signs that work is needed may include a noisy boiler, sludged up pipes or poor circulation.

14. Loss, damage to windows, doors or locks for Outbuildings garages and sheds.





15. Pests outside the main dwelling e.g. in the garages and other Outbuildings.

16. Breakdown or loss of or damage to domestic appliances (including showers), saniflow toilets and other mechanical equipment.

17. Any breakdown to flushing mechanisms of toilets.

18. Damage to boundary walls, hedges, fences or gates.

19. Warm air, solar and unvented heating systems or boilers with an output over 60 Kw/hr.

20. Electricity supply to, or failure of, burglar/fire alarm systems, CCTV surveillance or to swimming pools and their plumbing or filtration systems.

We will not be liable for any of the following:

a. Any system, equipment, or facility, which has not been properly installed, or which is faulty or inadequate as a result of any manufacturing or design fault.

b. Any circumstances in which making Emergency Repairs would contravene health and safety regulations and legislation or where a specialist contractor is required.

c. Loss or damage arising from circumstances known to You prior to the start date of this insurance.

d. Replacement of boilers, cylinders, tanks, radiators, kitchen appliances and sanitaryware.

e. The cost of replacement parts due to natural wear and tear.

f. Loss or damage however caused to personal items, like paintings, electrical goods, jewellery, clothing, etc.






g. Any loss or damage to Your Park Home as a result of the Emergency.

h. Any loss due to faulty installation of Your plumbing, heating, electrical system within the Park Home.

i. Any faulty installation of a kitchen appliance.

j. Loss or damage arising from disconnection or interruption of mains services by the deliberate act of the utility company concerned or any equipment or services which are the responsibility or property of the utility company.

k. Any cost relating to the attempted repair by You or Your own contractor.

l. Any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third party interference, or faulty workmanship, including any attempted repair or modification which does not comply with recognised industry standards.

m. Any Emergency in a Park Home that is Unoccupied.

n. Any loss arising from Subsidence caused by bedding down of new structures, demolition or structural repairs or alteration to the Park Home, faulty workmanship or the use of defective materials, or river or coastal erosion.






o. Any loss or damage arising as a consequence of war, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil disturbance; ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any other explosive nuclear assembly or its nuclear component.

p. Where Health and Safety regulations or a risk assessment that has been carried out, prevent Our Authorised Contractor being able to attend to the Emergency or carry out work in Your Park Home.

q. We will not provide cover, pay any claim or provide any benefit if doing so would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

How to make a claimTo obtain Emergency assistance contact the 24 hour Emergency Helpline on 01737 334092.

You should have the following information available upon request:a. Your name and Park Home postcode.b. Your Policy number.c. An indication as to the nature of the problem.



Our promise We make every effort to provide You with the highest standards of service. If on any occasion Our service falls below the standard You should expect Us to meet, the following procedure explains what You should do.

Complaints procedureYou can write to the Customer Relations Manager, who will arrange an investigation on behalf of the General Manager, at:

Inter Partner Assistance SAThe Quadrangle106-118 Station RoadRedhillSurreyRH1 1PRUKPhone: 01737 815 913Email: [email protected]

If We are unable to reach a satisfactory conclusion, You have the right to make an appeal to the Financial Ombudsman Service by writing to:

Financial Ombudsman ServiceExchange TowerLondonE14 9SRUKPhone: 0800 023 4567 E-mail: [email protected]: www.financial-ombudsman.org.uk

Details on how to take Your complaint to the Financial Ombudsman Service can also be found on the Online Dispute Resolution (ODR) platform http://ec.europa.eu/consumers/odr/index_en.htm, which has been set up by the EU Commission



Data protection

Details of You, Your insurance cover under this policy and claims will be held by Us (acting as data controllers) for underwriting, policy administration, claims handling, providing home emergency assistance, complaints handling, sanctions checking and fraud prevention, subject to the provisions of applicable data protection law and in accordance with the assurances contained in Our website privacy notice (see below).

We collect and process these details as necessary for performance of Our contract of insurance with You or complying with Our legal obligations, or otherwise in our legitimate interests in managing our business and providing Our products and services.

These activities may include:a. use of sensitive information about the health or vulnerability of You or others involved

in Your home emergency, in order to provide the services described in this policy, By using Our services, You consent to Us using such information for these purposes,

b. disclosure of information about You and Your insurance cover to companies within the AXA group of companies, to Our service providers and agents in order to administer and service Your insurance cover, to provide You with home emergency assistance, for fraud prevention, to collect payments, and otherwise as required or permitted by applicable law;

c. monitoring and/or recording of Your telephone calls in relation to cover for the purposes of record-keeping, training and quality control;

d. obtaining and storing any relevant and appropriate photographic evidence of the condition of Your property which is the subject of the claim, for the purpose of providing services under this policy and validating Your claim; and

e. sending You feedback requests or surveys relating to Our services, and other customer care communications.

We will separately seek Your consent before using or disclosing Your personal data to another party for the purpose of contacting You about other products or services (direct marketing). Marketing activities may include matching Your data with information from public sources, in order to send You relevant communications. You may withdraw Your consent to marketing at any time, or opt-out of feedback requests, by contacting the Data Protection Officer (see contact details below).

We carry out these activities within the UK and the European Economic Area (the European Union plus Norway, Liechtenstein and Iceland) and Switzerland, across which the data protection laws provide a similar level of protection.





By purchasing this policy and using Our services, You acknowledge that We may use Your personal data, and consent to Our use of sensitive information, both as described above. If You provide Us with details of other individuals, You agree to inform them of Our use of their data as described here and in Our website privacy notice (see below).

You are entitled on request to a copy of the information we hold about You, and You have other rights in relation to how We use Your data (as set out in our website privacy notice – see below). Please let Us know if You think any information We hold about You is inaccurate, so that We can correct it.

If You want to know what information is held about You by Inter Partner Assistance or AXA Assistance, please write to us at: Data Protection OfficerThe Quadrangle106-118 Station RoadRedhillRH1 1PRUKEmail: [email protected]

Our full privacy notice is available at: https://www.axa-assistance.co.uk. Alternatively, a hard copy is available from us on request.

Financial Services Compensation Scheme (FSCS)We are a member of the Financial Services Compensation Scheme (FSCS). The FSCS offers protection for customers of financial services firms. You can get more information at www.fscs.org.uk





This advice service and insurance is managed and provided by Arc Legal Assistance Limited. This insurance is underwritten by AmTrust Europe Limited, on whose behalf We act.

Park Home and Family Legal Advice and Protection provides: -• Assistance Helplines including 24/7 Legal Advice.• Discounted legal services.• Insurance for legal costs for certain types of disputes.

ASSISTANCE HELPLINE SERVICESLegal HelplineYou can use the helpline service to discuss any problem occurring under this policy within the United Kingdom, the Channel Islands and the Isle of Man.

Specialist legal advice on matters relating to Your Park Home may not be available 24 hours a day. Where We cannot provide immediate advice when You call We will arrange for someone to call you back at a time convenient to You.

Simply telephone 0344 770 1056 and quote “Paul Baker Insurance Services Park Home and Family Legal Advice and Protection”.

For Our joint protection telephone calls may be recorded and/or monitored.

Additional Legal ServicesOur aim is to provide a wide ranging insured legal service. Inevitably there are areas where it is not possible to insure legal costs in particular those which everybody at some time faces, but which are nevertheless often expensive and sometimes unexpected. Examples are: -

• Legal costs arising from the sale or purchase of the home and re-mortgaging.• Divorce and child custody issues.• Wills and probate.

To help You deal with these and other matters which may arise We are able to give You access to discounted legal services provided by Us in partnership with Our panel solicitors.



Park Home and Family Legal Advice and Protection continued

Our panel solicitors are one of the country’s leading law firms with expertise in all areas where assistance is likely to be required.

If You would like to make use of the service please contact the number above for an initial telephone consultation which will be provided at no cost to You. Our panel solicitors will give You a quotation for the likely cost of their representation and it will then be Your decision whether You appoint them to act for You.

Important ConditionsIf Your claim is covered under a section of this policy and no exclusions apply then it is vital that You comply with the conditions of this policy in order for Your claim to proceed. The conditions applicable to this section are contained under the ‘General Conditions’ section below and should be read carefully. Some of the main conditions to this insurance are that:

Prospects of Success

There must be more than a 50% chance of winning the case and achieving a positive outcome. A positive outcome includes, but is not limited to, recovering the amount of money at stake, enforcing a judgment or achieving an outcome which best serves Your interests. The assessment of Your claim and the prospects of its success will be carried out by an independent Adviser. If the Adviser determines that there is not more than a 50% chance of success then We may decline or discontinue support for Your case.

Proportional CostsAn estimate of Advisers’ Costs to deal with Your claim must not be more than the amount of money in dispute. The estimate of the Advisers’ Costs will be provided with the assessment of Your case and will be carried out by the independent Adviser. If the estimate exceeds the amount in dispute then We may decline or discontinue support for Your case.

Duty of DisclosureIf this policy covers You as a private individual, unrelated to any trade, business or profession, You must take reasonable care to disclose correct information. The extent of the information You are required to disclose will be based on, among other things, the type of insurance, explanatory material and the clarity and specificity of the questions You are asked when You took out this insurance.

Suspension of CoverIf You breach a condition of this insurance contract which is essential to its performance, this insurance contract will be suspended from the time of the breach until the time the breach can be remedied. The insurance providers will have no liability to You for any loss which occurs, or which is attributable to something happening, during the period when this insurance contract is suspended.



Definitions

The following definitions apply to Park Home and Family Legal Advice and Protection only.

Where the following words appear in bold they have these special meanings.

Adverse Costs Third party legal costs awarded against You which shall be paid on the standard basis of assessment provided that these costs arise after written acceptance of a claim.

Adviser Our specialist panel solicitors or accountants or their agents appointed by Us to act for You, or, and subject to Our agreement, where it is necessary to start court proceedings or a Conflict of Interest arises, another legal representative nominated by You.

Advisers’ Costs Legal or accountancy fees and disbursements incurred by the Adviser.

Conflict of Interest Situations where We administer and/or arrange legal expenses insurance on behalf of any other party in the dispute which is the subject of a claim under this insurance.

Contract of Employment A contract of service, whether express or implied, and (if it is express) whether oral or in writing

Costs Standard Advisers’ Costs and Adverse Costs.

Data Controller The party which determines the purpose for, and the manner in, which personal data are, or are to be, processed.

Data Protection Legislation The relevant Data Protection Legislation in force in the United Kingdom at the time of the Insured Incident.

Disclosure Breach Disclosing false information or failing to disclose relevant information in the process of entering into this insurance contract.





Employee An individual who has entered into or works under (or, where the employment has ceased, worked under) a Contract of Employment.

Identity Fraud A person or group of persons knowingly using a means of identification belonging to You without Your knowledge or permission with intent to commit or assist another to commit an illegal act.

Insured Incident The incident or the start of a transaction or series of incidents which may lead to a claim or claims being made under the terms of this insurance.

Employment In employment disputes the Insured Incident will be the receipt of an ET1 Employment Tribunal Claim Form.

TaxIn accountancy matters the Insured Incident arises on the date that You or Your Adviser are contacted either verbally or in writing, by the relevant department of HM Revenue and Customs advising You of either dissatisfaction with Your returns, or amounts paid, or notice of intention to investigate.

For the purposes of the Limit of Indemnity, only one Insured Incident will be regarded as having arisen from all causes or by actions, incidents or events which are related by cause or time.

Insured Period One year from the inception or renewal date shown on Your insurance Schedule.

Insurer AmTrust Europe Limited




Legal Action(s) The pursuit or defence of civil legal cases for damages and/or injunctions, specific performance.

Maximum Amount Payable The maximum payable in respect of an Insured Incident is £50,000.

Park Home The residential home shown in the Schedule which is stationed on a pitch within a licensed park home site licensed within Section 1(1) of the Caravan Sites and Control of Development Act 1960.

Protected Park Home The Park Home which is stationed on a pitch within a protected permanent residential site which is licensed under Section 1(2) of the Caravan Sites Act 1968 for that purpose.

Site Owner The individual firm or partnership that owns and is responsible for the site where Your Park Home is situated.

Standard Advisers’ Costs The level of Advisers’ Costs that would normally be incurred in using a specialist panel solicitor or their agents.

Territorial Limits United Kingdom, the Channel Islands and the Isle of Man.

We/Us/Our Arc Legal Assistance Limited.

You/Your/Yourself Any person who has paid the premium, or on whose behalf the premium has been paid and been declared to Us by Your insurance adviser and is permanently resident at the property covered under the household insurance to which this cover attaches. Cover also applies to Your family members resident with You. If You die Your personal representatives will be covered to pursue or defend cases covered by this insurance on Your behalf that arose prior to or out of Your death.



Terms of Cover

If a claim is accepted under this insurance, We will appoint Our panel solicitors, or theiragents, to handle Your case. You are not covered for any other legal representatives’fees unless it is necessary to start court proceedings or a Conflict of Interest arises.Where it is necessary to start court proceedings or a Conflict of Interest arises andYou want to use a legal representative of Your own choice, Advisers’ Costs payable by Us are limited to no more than (a) Our Standard Advisers’ Costs; or (b) the amount recoverable under the Civil Procedure Fixed Recoverable Costs regime, whichever is the lower amount.

The insurance covers Adviser’s Costs, less any excess, up to the Limit of Indemnity where:

a) The Insured Incident takes place in the Insured Period and within the Territorial Limits and

b) The Legal Action takes place within the Territorial Limits.

This insurance does not provide cover where something You do or fail to do prejudicesYour position or the position of the Insurer in connection with the Legal Action.


1. Protected Park Home Disputes Advisers’ Costs to pursue or defend a Legal Action following a dispute with Your Site Owner about:a. Your rights to use and occupy Your

Protected Park Home.b. Your rights to quiet enjoyment of

Your Protected Park Home, pitch, services and facilities as provided by the Site Owner.

c. The exercising of Your right to sell Your Protected Park Home providing commencement of the sale starts at least 6 months after the start date of the Insured Period applicable when You first purchased this insurance.

d. Annual pitch fees provided You have owned Your Protected Park Home for a minimum of 12 months.

e. The maintenance of the site on which Your Protected Park Home is situated.

1. Claims in respect of disputes relating to:a. Planning.b. Caravan site licensing.c. Building regulations.d. Compulsory purchase orders.e. Proposed works.by or under the order of anygovernment or public or localauthority.





2. Misrepresentation and Breach of Contract Advisers’ Costs to pursue a Legal Action in a dispute with Your Site Owner about the physical location of Your Park Home and/or pitch where You have entered into a contract with the Site Owner for a Protected Park Home and Your Park Home and/or pitch is outside the physical boundary of the protected site stated in the site licence.

2. Claims:a. Where the breach of contract

occurred within the first 6 months after You first purchased this insurance.

b. Where You have resided in the Protected Park Home for less than 12 months.

3. Consumer Pursuit Advisers’ Costs to pursue a Legal Action following a breach of a contract You have for buying or renting goods or services for Your private use. The contract must have been made after You first purchased this insurance unless You have held this or equivalent cover with Us or another insurer continuously from or before the date on which the agreement was made.

3. Claims:a. Where the amount in dispute is

below £250 plus VAT.b. Where the breach of contract

occurred before You purchased this insurance.

c. Involving a vehicle owned by You or which You are legally responsible for.

d. Arising from a dispute with any government, public or local authority.

e. Arising from the purchase or sale of Your Park Home.

f. Relating to a lease tenancy or licence to use property or land.

g. Relating to a dispute about either the amount an insurance company should pay to settle an insurance claim or the way a claim should be settled.

h. Relating to a dispute with any financial services supplier arising from the sale or performance of products and services offered or provided to You.

i. Directly or indirectly arising from planning law.

j. Directly or indirectly arising from constructing buildings or altering their structure for Your use.




4. Consumer defence Advisers’ Costs to defend a Legal Action brought against You following a breach of a contract You have for selling Your own personal goods. The contract must have been made after You first purchased this insurance unless You have held this or equivalent cover with Us or another insurer continuously from or before the date on which the agreement was made.

4. Claims:a. Where the amount in dispute is

below £250 plus VAT.b. Where the breach of contract

occurred before You purchased this insurance.

c. Involving a vehicle owned by You or which You are legally responsible for.

d. Arising from a dispute with any government, public or local authority.

e. Arising from the sale or purchase of Your Park Home.

f. Relating to a lease tenancy or licence to use property or land.

5. Personal Injury Advisers’ Costs to pursue a Legal Action following an accident resulting in Your personal injury or death against the person or organisation directly responsible.

5. Claims:a. Arising from medical or clinical

treatment, advice, assistance or care.b. For stress, psychological or

emotional injury unless it arises from You suffering physical injury.

c. For illness, personal injury or death caused gradually and not caused by a specific sudden event.

d. Involving a vehicle owned or driven by You.

6. Employment Disputes Standard Advisers’ Costs to pursue a Legal Action brought before an Employment Tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man) against an employer or ex-employer for breach as an Employee of Your: -a. Contract of Employment; orb. legal rights under employment laws.

6. Claims:a. Where the breach occurred within

the first 90 days after You first purchased this insurance unless You have held equivalent cover with Us or another insurer continuously for a period of at least 90 days leading up to when the breach first occurred.






b. For a dispute with an employer or ex-employer unless it is pursued in an Employment Tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man).

c. For Standard Advisers’ Costs of any disciplinary investigatory or grievance procedure connected with Your Contract of Employment or the costs associated with any settlement agreement.

d. Where the breach is alleged to have commenced or to have continued after termination of Your employment.

e. For an allegation of less favourable treatment between men and women in terms of pay and conditions of employment.

7. Property Infringement Advisers’ Costs to pursue a Legal Action for nuisance or trespass against the person or organisation infringing Your legal rights in relation to Your Park Home.

7. Claims:a. Where the nuisance or trespass

started within the first 180 days after You first purchased this insurance unless You have held equivalent cover with Us or another insurer continuously for a period of at least 180 days leading up to when the nuisance or trespass first started.

b. In respect of works undertaken or to be undertaken by or under the order of any government or public or local authority.

c. For adverse possession.d. In respect of a contract You have

entered into.e. Directly or indirectly arising from

planning law.f. Directly or indirectly arising from

constructing buildings or altering their structure for Your use.






g. Directly or indirectly arising from:i. Subsidence meaning downward

movement of the ground beneath buildings where the movement is unconnected with the weight of the building.

ii. Heave meaning the upward or sideways movement of the site on which buildings are situated caused by swelling of the ground.

iii. Land slip meaning downward movement of sloping ground.

iv. Mining or quarrying..

8. Property Damage Advisers’ Costs to pursue a Legal Action for damages against a person or organisation that causes physical damage to Your Park Home or Your personal effects. The damage must have been caused after You first purchased this insurance.

8. Claims:a. In respect of works undertaken or to

be undertaken by or under the order of any government or public or local authority.

b. In respect of a contract You have entered into.

c. Directly or indirectly arising from planning law.

d. Directly or indirectly arising from constructing buildings or altering their structure for Your use.

e. Directly or indirectly arising from:i. Subsidence meaning downward

movement of the ground beneath buildings where the movement is unconnected with the weight of the building.

ii. Heave meaning the upward or sideways movement of the site on which buildings are situated caused by swelling of the ground.






iii. Land slip meaning downward movement of sloping ground.

iv. Mining or quarrying.

9. Property Sale and Purchase Advisers’ Costs to pursue or defend a Legal Action arising from a breach of a contract for the sale or purchase of Your Park Home

9. Claims:a. Where You have purchased this

insurance after the date You completed the sale or purchase of Your Park Home.

b. Where the amount in dispute is below £250 plus VAT.

c. Directly or indirectly arising from planning law.

d. Directly or indirectly arising from constructing buildings or altering their structure for Your use.

10. Data Protection Advisers’ Costs to pursue a Legal Action against a person or organisation for breached Data Protection Legislation which has resulted in You suffering a financial loss.

11. Personal Identity Fraud Advisers’ Costs arising from Identity Fraud: -a. To defend Your legal rights and/or

take steps to remove County Court Judgments against You that have been obtained by an organisation from which You are alleged to have purchased, hired or leased goods or services. Cover is only available if You deny having entered in to the contract and allege that You have been the victim of Identity Fraud.

b. To deal with all organisations that have been fraudulently applied to for credit, goods or services in Your name or which are seeking monies or have sought monies from You as a result of Identity Fraud.

11. Claims:a. Where You have not been the victim

of Identity Fraud.b. Where You did not take action

to prevent Yourself from further instances of Identity Fraud following an Insured Incident.

c. Where the Identity Fraud has been carried out by somebody living with You.

d. For Costs arising from loss of cash from a bank, building society, credit union or other similar financial institution where that institution has refused to cover the loss.

You must agree to be added to the CIFAS Protection Register if We recommend it.





c. In order to liaise with credit referencing agencies and all other relevant organisations on Your behalf to advise that You have been the victim of Identity Fraud.

General exclusions applicable to this section only1. There is no cover where: -

a. You should have known when buying this insurance that the circumstances leading to a claim under this insurance already existed.

b. An estimate of Advisers’ Costs of acting for You is more than the amount in dispute.c. Advisers’ Costs or any other costs and expenses incurred which have not been

agreed in advance or are above those for which We have given Our prior written approval.

d. Your insurers repudiate the insurance policy or refuse indemnity.

2. There is no cover for: -a. Claims over loss or damage where that loss or damage is insured under any other

insurance.b. Claims made by or against Your insurance adviser, the Insurer, the Adviser or Us.c. Any claim You make which is false or fraudulent or exaggerated.d. Defending Legal Actions arising from anything You did deliberately or recklessly.e. Costs if Your claim is part of a class action or will be affected by or will affect the

outcome of other claims.

3. There is no cover for any claim directly or indirectly arising from: -a. A dispute between You and someone You live with or have lived with.b. Your business trade or profession other than as an Employee.c. An application for a judicial review.d. Defending or pursuing new areas of law or test cases.

4. Contracts (Rights of Third Parties) Act 1999A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third party which exists or is available other than by virtue of this Act.

Conditions applicable to this section only1. Claims

a. You must notify claims as soon as reasonably possible once You become aware of the incident and within no more than 180 days of You becoming aware of the incident. There will be no cover under this policy if, as a result of a delay in reporting the claim, Our position has been prejudiced. For claims relating to Identity Fraud, these must be reported within 45 days of You becoming aware of the incident.


b. We may investigate the claim and take over and conduct the legal proceedings in Your name. Subject to Your consent which shall not be unreasonably withheld We may reach a settlement of the legal proceedings.i. You must supply at Your own expense all of the information which We

reasonably require to decide whether a claim may be accepted. Where it is necessary to start court proceedings or a Conflict of Interest arises, and You wish to nominate a legal representative to act for You, You may do so. Where You have elected to use a legal representative of Your own choice You will be responsible for any Advisers’ Costs in excess of Our Standard Advisers’ Costs. The Adviser must represent You in accordance with Our standard conditions of appointment available on request.

c. The Adviser will: -i. Provide a detailed view of Your prospects of success including the prospects of

enforcing any judgment obtained.ii. Keep Us fully advised of all developments and provide such information as We

may require.iii. Keep Us advised of Advisers’ Costs incurred.iv. Advise Us of any offers to settle and payments in to court. If against Our advice

such offers or payments are not accepted cover under this insurance shall be withdrawn unless We agree in Our absolute discretion to allow the case to proceed.

v. Submit bills for assessment or certification by the appropriate body if requested by Us.

vi. Attempt recovery of costs from third parties.d. In the event of a dispute arising as to Advisers’ Costs We may require You to change

Adviser.e. The Insurer shall only be liable for Advisers’ Costs for work expressly authorised by

Us in writing and undertaken while there are prospects of success.f. You shall supply all information requested by the Adviser and Us.g. You are responsible for all legal costs and expenses including Adverse Costs if You

withdraw from the legal proceedings without Our prior consent. Any legal costs and expenses already paid under this insurance will be reimbursed by You.

h. You must instruct the Adviser to provide Us with all information that We ask for and report to Us as We direct at their own cost.

2. Prospects of Success At any time We may, but only when supported by independent legal advice, form the view that You do not have a more than 50% chance of winning the case and achieving a positive outcome. If so, We may decline support or any further support. Examples of a positive outcome are:a. Being able to recover the amount of money at stake.b. Being able to enforce a judgement.c. Being able to achieve an outcome which best serves Your interests.



3. Other insurancesIf any claim covered under this policy is also covered by another legal expenses policy, or would have been covered if this policy did not exist, We will only pay Our share of the claim even if the other insurer refuses the claim.

4. Cancellation This cover is provided automatically as part of Your main insurance contract and cannot be cancelled in isolation. For details on how to cancel Your main insurance contract please contact Paul Baker Insurance Services.

We may cancel the insurance by giving 14 days’ notice in writing to You at the address shown on the schedule, or alternative address provided by You. No refund of premium shall be made.

We will only invoke this right in exceptional circumstances as a result of You behaving inappropriately, for example:• Where We have a reasonable suspicion of fraud.• You use threatening or abusive behaviour or language or intimidation or bullying of Our staff or suppliers.

5. Disputes Subject to Your right to refer a complaint to the Financial Ombudsman Service (see ‘How to Make a Claim’), any dispute between You and Us may, where we both agree, be referred to an arbitrator who will be either a solicitor or a barrister. If the parties cannot agree on their choice of arbitrator the Law Society may be asked to make a nomination. The arbitration will be binding and carried out under the Arbitration Act. The costs of the arbitration will be at the discretion of the arbitrator.

6. English Law and Language This contract is governed by English Law and the language for contractual terms and communication will be English.

7. Fraud In the event of fraud, We:a. Will not be liable to pay the fraudulent claimb. May recover any sums paid to You in respect of the fraudulent claimc. May cancel this policy with effect from the fraudulent act and keep all premiums paid

to Usd. Will no longer be liable to You in any regard after the fraudulent act.

8. Change in law Cover under this policy is based on laws and regulations in force at the time that it was written. If We believe that any subsequent change in law or regulations results in the scope of cover being either restricted or broadened, We reserve the right to accept



claims where the change restricts the cover under this policy and reject claims where the change provides a benefit which did not previously exist.

9. Sanctions We will not provide cover, pay any claim or provide any benefit if doing so would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Customer service informationHow to make a claimAs soon as You have a legal problem that You may require assistance with under this insurance You should telephone the Legal Helpline on 0344 770 1056.

Specialist lawyers are at hand to help You. If You need a lawyer or accountant to act for You and Your problem is covered under this insurance, the helpline will ask You to complete and submit a claim form online by visiting www.arclegal.co.uk/informationcentre. Alternatively they will send a claim form to You. If Your problem is not covered under this insurance, the helpline may be able to offer You assistance under a private funding arrangement.

In general terms, You are required to immediately notify Us of any potential claim or circumstances which may give rise to a claim. If You are in doubt whether a matter constitutes a notifiable claim or circumstance, contact the Legal Helpline.

Data Protection ActYour details and details of Your insurance cover and claims will be held by Us and/ or the Insurer for underwriting, processing, claims handling and fraud prevention subject to the provisions of the Data Protection Legislation.

Customer ServiceOur aim is to get it right, first time, every time. If We make a mistake, We will try to put itright straightaway.

If You are unhappy with the service that has been provided, You should contact Us at the address below. We will always confirm to You, within five working days, that We have received Your complaint. Within four weeks You will receive either a final response or an explanation of why the complaint has not been resolved plus an indication of when You will receive a final response. Within eight weeks You will receive a final response or, if this is not possible, a reason for the delay plus an indication of when You will receive a final response. After eight weeks, if You are unhappy with the delay, You may refer Your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if You cannot settle Your complaint with Us or before We have investigated the complaint if both parties agree.



Our contact details are: -Arc Legal Assistance LtdPO Box 8921ColchesterCO4 5YDTel: 01206 615000Email: [email protected]

The Financial Ombudsman Service contact details are: -Financial Ombudsman ServiceExchange TowerLondonE14 9SRTel: 08000 234 567Email: [email protected]

CompensationWe are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We or the Insurer cannot meet their obligations. Your entitlement to compensation will depend on the circumstances of the claim. Further information about compensation scheme arrangements is available athttp://www.fscs.org.uk/ or by telephoning 0800 678 1100.

AuthorisationArc Legal Assistance Ltd is authorised and regulated by the Financial Conduct Authority. ArcLegal’s Firm Reference Number is 305958. This can be checked on the Financial Services Register by visiting the website www.fca.org.uk/register or by contacting the FinancialConduct Authority on 0800 111 6768.

Park Home and Family Legal Advice and Protection insurance is underwritten by AmTrust Europe Limited, Registered Office: 10th Floor Market Square House, St James’s Street, Nottingham, NG1 6FG, Registered Number 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, financial services number: 202189. This can be checked by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768.



Making a Complaint

Paul Baker Insurance Services and AXA Insurance aim to provide the highest standard of service to every customer.

We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens We want to hear about it so that We can try to put things right.

If Your complaint relates to: Please contact:

How Your Policy was sold or administeredfor You, Your Policy or a claim on Your Policy in respect of:

• Structures cover• Contents cover• Personal Possessions cover• Personal Accident cover

Managing DirectorPaul Baker Insurance Services16 Hewlett RoadCheltenham GL52 6AATel 01242 505840Email [email protected]

Your Policy or a claim on Your Policy in respect of:

• Home Emergency Assistance

Customer Relations ManagerAXA Assistance UK LtdThe Quadrangle106-118 Station RoadRedhill RH1 1PRTel 01737 815 913Email: [email protected]

Your Policy or a claim on Your Policy in respect of:

• Park Home and Family Legal Advice and Protection

Arc Legal Assistance LimitedPO Box 8921Colchester CO4 5YDTel 01206 615000Email [email protected]

When you make contact, please provide the following information:• Your name, address, postcode, telephone number and email address.• The type of Policy and Your Policy and/or claim number.• The reason for Your complaint.

Any written correspondence should be headed ‘COMPLAINT’ and You may include copies of supporting material.

Making a Complaint


Beyond AXA or Paul Baker Insurance Services

Should You remain dissatisfied following Our written response You may be eligible to refer Your case to the Financial Ombudsman Service (FOS).

The FOS is an independent body that arbitrates on complaints about general insurance products. You have six months from the date of Our final response to refer Your complaint to the FOS.This does not affect Your right to take legal action.

If We cannot resolve Your complaint You may refer it to the Financial Ombudsman Service at the address given below:

Mail Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Tel 0300 123 9123 or 0800 023 4567

Fax 020 7964 1001

Email [email protected]

Web https://help.financial-ombudsman.org.uk

Our promise to youWe will• Acknowledge written complaints promptly• Investigate quickly and thoroughly• Keep You informed of progress• Do everything possible to resolve Your complaint• Learn from Our mistakes• Use the information from complaints to continuously improve Our service.

Making a Complaint continued


Customer Service Information

Financial Services Compensation Scheme (FSCS)

AXA Insurance UK plc is covered by the Financial Services Compensation Scheme (FSCS).You may be entitled to compensation from the scheme in the unlikely event that We cannotmeet Our obligations to You. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available at www.fscs.org.uk or by telephoning 020 7741 4100.

Online Dispute Resolution (ODR)

The European commission has also provided an Online Dispute Resolution service for logging complaints. To use this service please go to: http://ec.europa.eu/odr

Data Protection Notice

AXA Insurance UK plc is part of the AXA Group of companies which takes Your privacy very seriously. For details of how We use the personal information We collect from You and Your rights please view our privacy policy at www.axa.co.uk/privacy-policy. If You do not have access to the internet please contact Us and We will send You a printed copy.

Customer Service Information


Paul Baker Insurance Services16 Hewlett Road, Cheltenham, Gloucestershire, GL52 6AA

Tel 01242 505840Email [email protected] www.pbinsurance.co.uk

Paul Baker Insurance Services is a trading name of RK Shipman Ltd which is authorised and regulated by the Financial Conduct Authority.

Registered office: Venture House, 20/20 Business Park, St. Leonards Road, Allington, Maidstone, Kent, ME16 0LSRegistered in England No. 575483

Paul Baker Insurance Services Select Park Home Insurance is underwritten by AXA Insurance UK plc

Registered office: 5 Old Broad Street, London EC2N 1AD

Registered in England and Wales No. 78950A member of the AXA Group of Companies.

AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Telephone calls may be monitored and recorded.

PBIS_SELPH_Jan19



[email protected]

01242 505840

16 Hewlett Road, Cheltenham, GL52 6AA